Salyersville, KY · Cert 2723 · SNB Bcorp Inc.
National charter · OCC · 2 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.56% | 1.60% | 1.58% | 1.57% | 1.64% | +7 bps | |
| Return on Equity | 16.37% | 16.37% | 15.80% | 14.51% | 15.04% | -132 bps | |
| Net Interest Margin | 3.70% | 3.72% | 3.74% | 3.73% | 3.84% | +14 bps | |
| Efficiency Ratio | 49.67% | 49.02% | 50.30% | 49.42% | 48.23% | -144 bps | |
| Non-Interest Burden | 1.76% | 1.75% | 1.81% | 1.76% | 1.77% | +1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.42% | 8.56% | 4.52% | 4.40% | 3.00% | -942 bps | |
| Loan Growth (YoY) | 14.01% | 14.49% | 14.35% | 9.07% | 12.25% | -176 bps | |
| Deposit Growth (YoY) | 13.37% | 9.04% | 2.98% | 3.52% | 2.64% | -1,073 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.17% | 0.27% | 0.11% | 0.00% | 0.00% | -17 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.06% | +6 bps | |
| Allowance / Loans | 0.87% | 0.84% | 0.88% | 0.84% | 0.75% | -13 bps | |
| Allowance Coverage of NPLs | 5.1x | 3.1x | 7.8x | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.43% | 13.57% | 13.66% | 14.02% | 14.24% | +81 bps | |
| Total Risk-Based Capital | 24.12% | 23.80% | 24.62% | 25.72% | 23.94% | -18 bps | |
| Equity / Assets | 9.81% | 10.51% | 10.70% | 10.93% | 11.02% | +121 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 73.86% | 76.71% | 73.70% | 76.34% | 80.78% | +692 bps | |
| Liquid Assets / Assets | 11.46% | 10.11% | 12.78% | 11.62% | 8.42% | -303 bps | |
| CRE / Total Capital | n/a | 279% | 273% | 287% | n/a | n/a | |